Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
- Joining Fee
- AED 1,573.95
- Annual Fee
- AED 735
- Minimum Salary
- AED 12,000
ENBD Skywards Signature Credit Card
Earn Skywards Miles on Emirates and flydubai flights, duty-free retail and everyday spend, plus lounge, golf and cinema privileges.
Updated Jun 2026
≈ AED 11,782 potential value / year · incl. perks
Welcome offer
Up to 40,000 Bonus Skywards Miles
Up to 40,000 bonus Skywards Miles when you meet the joining and spend conditions.
New Skywards Signature cardholders can earn up to 40,000 bonus Skywards Miles, subject to payment of the joining fee and meeting Emirates NBD's qualifying spend conditions. Exact spend tiers are not published on the official product page.
See full breakdownRewards
1.5Skywards Miles
per USD spent with Emirates and flydubai.
Applies to eligible ticket purchases made directly with Emirates or flydubai.
See full breakdown2Skywards Miles
per USD on duty-free retail purchases.
Applies to purchases at eligible duty-free retail outlets.
See full breakdown2Skywards Miles
per USD on domestic food-delivery and ride-hailing app spend.
Applies to eligible domestic online food-delivery and car-booking (ride-hailing) app spend within the UAE.
See full breakdown1Skywards Miles
per USD on international transactions outside the EU and UK.
Applies to purchases made outside the UAE in a non-AED currency, other than EU or UK currencies.
See full breakdown0.5Skywards Miles
per USD on international transactions in the EU and UK.
Applies to purchases made in EU or UK currencies.
See full breakdown0.75Skywards Miles
per USD on other eligible domestic retail spend.
Applies to general domestic retail purchases not covered by another earn rate above.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
12,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, and a security cheque.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
Offers
See all 837View offer
Restaurants
Merchant
Celsius
25% off Food and Beverage
Valid until 31 Aug 2026
Lifestyle
Merchant
Grand Flora Spa Ladies Salon
Enjoy 15% off on spend of AED 150 and above
Valid until 31 Aug 2026
Entertainment
Merchant
Just Padel
Just Padel Kite Beach
Valid until 31 Aug 2026
Additional Benefits
Airport Lounge Access
10 complimentary lounge visits per year via DragonPass.
No minimum spend requiredAirport lounge access is provided through DragonPass, capped at 10 complimentary visits per year.
See full breakdownGolf Privileges
Up to 12 complimentary rounds per year at partner UAE golf courses, with AED 5,000 monthly spend.
Requires AED 5,000/month spendComplimentary rounds at Abu Dhabi City, Arabian Ranches and Sharjah Golf & Shooting Club, up to 12/year, subject to AED 5,000 min. monthly spend. AED 30 processing fee per booking; no-show fees may apply.
See full breakdownCinema Offers
Buy-one-get-one-free tickets at VOX and Reel Cinemas, up to 2 per month (24 per year).
No minimum spend requiredBuy-one-get-one-free movie tickets at VOX Cinemas and Reel Cinemas, up to 2 tickets per month (24 per year), subject to minimum spend criteria.
See full breakdownValet Parking
3 complimentary services per month (36 per year) at select Abu Dhabi locations.
No minimum spend requiredComplimentary valet parking at select Abu Dhabi locations, up to 3 services per month (36 per year).
See full breakdownConcierge Service
Up to 12 complimentary requests per year for travel and lifestyle assistance.
No minimum spend requiredVisa Signature Concierge assists with travel bookings and lifestyle requests, available up to 12 times per year.
See full breakdownFees
1,573.95AED
Joining Fee
735AED
Annual Fee
3.25%
Monthly Purchase Rate
Equivalent to 39% per annum. 55-day interest-free period on retail purchases; minimum payment due is 5% of the outstanding balance or AED 100, whichever is higher.
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Installment Plan (Reducing Rate)3.46%*
*Up to 3.46% reducing monthly rate (up to 41.52% per annum).
Card ReplacementAED 21
No Liability LetterAED 52.5
Duplicate StatementAED 15.75*
*AED 15.75 per month for statements within the last 3 months; AED 47.25 per month for older statements.
Frequently Asked Questions
Get answers to common questions about ENBD Skywards Signature Credit Card credit card
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